Schenectady County and Schenectady City property record for 305 Elder St, Schenectady, NY 12304 · Last verified June 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1952 |
| Square Footage | 1,296 sqft Living Area |
| Lot Size | 7,095 sqft (0.162 acres) |
| Garage | Attached, 242 sqft |
| Last Sale | $230,000 (2026) |
| Tax Bill | $5,366.00 (2025) |
| Primary APN | 421500 49.52-4-25 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,296 sqft Living Area |
| 1st Floor | 864 sqft 1st Floor |
| Upper Floors | 432 sqft Upper Floors |
| Stories | 1 Stories |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Architectural Style | Cape Cod Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Lot Area | 7,095 sqft (0.162 acres) |
| Depth X Width | 129 ft x 55 ft Depth x Width |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 242 sqft Garage |
| Shed | 1 Shed |
| Porch Area | 220 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Central Heating |
| Heating Fuel | Oil Heating Fuel |
| Sewage | Municipal Sewage |
| Water Source | Commercial Water Source |
| Street Address | 305 ELDER ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-1222 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | CENTRAL PARK HGHTS 1X WOOD AND GARAGE |
| Legal Subdivision | CENTRAL PARK HEIGHTS |
| Legal Block | 4 |
| Legal Lot Number | 25.000 |
| Jurisdiction | SCHENECTADY NY |
| Minor Civil Division | SCHENECTADY |
| Census Blockgroup | 2 |
| Census Block | 2000 |
| Census Tract | 20700 |
Source: Schenectady County and Schenectady City records · APN 421500 49.52-4-25
Assessment roll updated April 14, 2026 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1008 COMMUNITY RD, SCHENECTADY, NY 12303-2603 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jan 14, 2026 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jun 04, 2018 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage SEFCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 14, 2026 · Amount on Record |
| Deed Sale | Jan 14, 2026 · Amount on Record |
| Prior Sale | Jun 04, 2018 · Amount on Record |
| Deed Doc Number | 2026946 |
| Deed Book / Page | 2164 / 468 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jan 14, 2026 |
| Property Address | 305 ELDER ST, SCHENECTADY, NY 12304-1222 |
| Document Number | 0000000946 |
| Instrument Date | Dec 12, 2025 |
| Instrument | 202600946 |
| Transaction Type | Transfer |
| Record Updated | Jan 30, 2026 |
| Title Company | UNKNOWN, VLR ABSTRACT SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $920.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 305 ELDER ST, SCHENECTADY, NY 12304-1222 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 1008 COMMUNITY RD, SCHENECTADY, NY 12303-2603 |
| Document Number | 0000000947 |
|---|---|
| Date | Jan 14, 2026 |
| Instrument | 202600947 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jun 04, 2018 |
| Property Address | 305 ELDER ST, SCHENECTADY, NY 12304-1222 |
| Document Number | 0000023971 |
| Book / Page | 001988 / 000549 |
| Instrument Date | May 30, 2018 |
| Instrument | 23971 |
| Transaction Type | Transfer |
| Record Updated | Jun 25, 2018 |
| Title Company | AMERICAN LAND TITLE ASSOCIATION |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $480.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 1023 STANLEY ST SCHENECTADY NY 123071612, SCHENECTADY, NY 12307-1612 |
| Document Number | 23973 |
|---|---|
| Date | Jun 04, 2018 |
| Book Page | 004841/000435 |
| Instrument | 23973 |
| Name | SEFCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12206 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 03, 2048 |
Source: Schenectady County and Schenectady City records · Assessment roll updated April 14, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| Municipality | Schenectady City |
| Unified School District | Schenectady City School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,366.00 (+4.58%) | $107,800 (-) Land $16,200 Building $91,600 | $178,506 (+13.35%) Land $26,826 Building $151,680 |
| 2024 | $107,800 (-) Land $16,200 Building $91,600 | $157,487 (+15.41%) Land $23,667 Building $133,820 | |
| 2023 | $107,800 (-) Land $16,200 Building $91,600 | $136,456 (+3.8%) Land $20,506 Building $115,950 | |
| 2022 | $107,800 Land $16,200 Building $91,600 | $131,463 Land $19,756 Building $111,707 | |
| 2021 | $5,131.00 |
Source: FEMA National Flood Hazard Layer, Schenectady County (36093C), updated January 7, 2014 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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